Pension advice and retirement planning

A richer retirement

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Introduction

Plan a retirement you’ll love

Retirement brings daunting questions: when might I stop work? What can I afford to spend, now and in future? What if things change?

At Richmonde Laine, we take this complexity – today’s priorities, tomorrow’s dreams, disparate assets and ever-changing tax rules – and create one clear plan for the future.

So, whether you’re still working or have already stepped back, you can answer the most important question of all: how can I live the life I want?

Plan your future

Questions on retirement

What do you want from retirement?

We can guide you through the big questions, exploring when you might stop work, what you can afford to spend, how much you should hold back.

  • Should I consolidate my pensions?

  • Can I draw income from my investments?

  • Do I have enough?

  • What lifestyle can I sustain?

  • Are my savings working hard enough?

  • How to draw tax efficiently?

  • Should I start gifting?

  • How much risk should I take?

  • How do I pass on my wealth?

Let's find the answers

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Our approach

Security across every life stage

Every retirement is different. And each has different stages: at first, you might travel or work part time; later, you might need more support.

We look at your personal situation, from pensions to property, responsibilities to ambitions, to explore how life could look across the years. Planning which assets to use first and how to work tax efficiently, we create a flexible, forward-thinking plan to leave you feeling confident – whatever the future holds.

  • Retirement objectives

    Define the lifestyle you want and the options you’d like to keep open

  • Income strategy

    Efficiently draw what you need from pensions, ISAs, investments, cash

  • Investment approach

    Balance growth, income, access and risk, across different life stages

  • Scenario planning

    Test against market volatility, spending choices, inflation, the unexpected

  • Your legacy

    Plan early for inheritance tax, estate planning and wider family priorities

  • Regular review

    Keep your wider wealth plan on track, even as life and laws change

Retirement expertise

We’re with you for the long haul

Some of our clients spend as long in retirement as they ever did in work. It’s a multi-decade planning exercise that needs joined-up thinking and continuous review.

Paul Tadman

Head of Advice

Meet Paul

Integrated retirement planning

Seeing retirement in the round

Your retirement plan is shaped by all kinds of things: the investments you make today, the legacy you’ll leave in time. By seeing it within a wider financial strategy, we can optimise all parts of your wealth.

Integrated plan

Integrated plan

Objective setting

Be clear about where you are today, and where a good plan could take you

Visit Objective setting

Tax planning

Get the best from your hard-earned income, investments and assets

Visit Tax planning

Protection

Safeguard your lifestyle and loved ones for when the world throws curveballs

Visit Protection

Retirement planning

Know what ‘enough’ looks like – and start planning for an exciting new chapter

Visit Retirement planning

Estate planning

Make sure your wealth works not just for you, but for your loved ones too

Visit Estate planning

Testimonials

Thirty years of financial freedom

Who we help

People, not portfolios

Whether you’re thriving in your career or preparing to step back, it’s never too early to start planning for retirement.

Our pensions and retirement advice differentiation

  • Personal touch

    Your plan is bespoke, individually tailored to the questions you most need to answer.

  • Long-term mindset

    We think in decades, not quarters, guiding you from one economic season to the next.

  • True partnership

    By acting with integrity, we build lasting, trusted relationships with our clients.

  • People who care

    We care deeply – not just about the numbers, but how it feels to work with us.

  • Independent advice

    As an independent firm, we offer advice based purely on what’s best for you.

  • Technical excellence

    With industry-leading technologies and team, we set the highest standards.

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Find clarity

Ready to feel confident about the future?
Book a conversation

Frequently asked questions

Let’s clear a few things up

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